Pime2009 Health

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Health

Health Coaching – Top 10 Reasons to Hire Or Be One

Health Coaching is a relatively new profession which focuses on helping people making positive changes in their health, physical, mental and emotional lives, that they have not been able to do for themselves. Its about people deciding that the personal cost for not making some changes has become too high. They are willing to trade pain for gain — so to speak. Here are ten “pain for gain” reasons to hire (or become) a health coach.

1. Health Coaching and Weight Loss

One of the most challenging (and discouraging ) behavioral changes that people try to make is losing weight and keeping it off. We are all aware of the health risks associated with being overweight. Many people have been on the weight loss and gain it back yo yo ride for years. What can make the difference and break this vicious cycle is a trained professional to guide you how to take it off and keep it off. This can be done with a few key lifestyle changes which are easier than you might think especially with the support of a health coach. What would it mean to you to lose 20-40 pounds and never gain it back. Visualize yourself at your ideal weight. What does that feel like? What does it look like? See yourself there now. Feels great doesn’t it?

2. Health Coaching and Eating Habits

A second behavior change that is tied to and often more challenging than weight loss is our eating habits. We love to eat ( and eat and eat and eat) And most of us are addicted to some form of junk food. Mine is chocolate. How our lives could change if we could make a few basic improvements in our daily diet. More energy, better sleep, less illness because of a boosted immune system, healthier skin, look better, feel better. So how do we do it. A health coach can introduce and effective program that makes sense and is easy to do if you are motivated to make a few changes and reap the rewards.

3. Health Coaching and Stress

Stress can literally destroy people’s lives. The pace today is hectic and people are paying the price. Marital break ups, illness, child abuse, addictions, mental ill health, low self esteem, the list is endless. The price is high and robs us of a quality of life.. We live a fast paced life with multiple responsibilities. Learning to manage stress can literally save your life. What a different life you could lead if you could tame the tiger and learn to channel stressful events so they worked for you rather than against you. A health coach can show you how to do that.

4. Health Coaching and Positive Relationships

Positive nurturing relationships are vital to a healthy life. How well we get along with others including our own family often will determine our level of emotional and mental health. Lots of people are challenged in this area because they have not learned the social skills it takes. Ongoing conflict with people at work or at home can and not knowing “how to fix it” can really compromise your quality of life. The solutions to these kind of difficulties are easier than you might think. There a few “learnable” skills that can make a huge difference in your relationships. Ask yourself what it would mean to you to have much more positive and enjoyable communication and relationships with someone at work, your family, your spouse or your kids. Health coaching can make the difference.

5. Health Coaching and Communication Skills

I hear this all the time. ‘We can’t communicate, we argue all the time, he/she doesn’t listen to me, we’re not on the same page, i wish i could tell him what i think, I just don’t know what to say. Perhaps one of the greatest failures of our educational system is not teaching basic communications skills, how to connect with people, how to listen, how to say what you think or feel so people will listen. Probably the #1 reason for failed relationships is people not knowing how to communicate effectively with each other. There are basic effective easy to learn talking and listening skills that would resolve most misunderstandings and health coaching can teach you them easily and quickly.

6. Health Coaching and Exercise

Exercise. A four letter word for some. The fact is just a little more routine exercise in our daily lives could have a significant impact on our health. I like to walk and jog and lift light weights. It could be bike riding, swimming or flopping on the floor during commercials and doing some light stretching. A lack of exercise can ruin your health. A health coach can get you started towards a more active existence and help you stick with it long enough for it to make a significant difference. Go for it.

7. Health Coaching – Preventative vs. Curative

A distinct advantage of health coaching is that it is preventative as opposed to curative. Would you rather have someone help you prevent diabetes or some other debilitating disease or visit a doctor to get treated after the fact. That is the choice a lot of people are facing but the point is you have a choice and if you don’t choose for yourself, life will choose for you. Make a wise choice and choose the path of prevention. You will reap the rewards of better health and health coaching can get you there.

8. Health Coach – Being a Role Model

Be a trend setter, be a role model for others. Just think of the impact you could have on other peoples lives especially those you care about most. What if because of changes YOU made your mother, father, sister, brother, child or friend made a significant change in their health. What would that feel like? You often see people make dramatic changes after the heart attack. Well those same changes can be made right now and have the effect of preventing a disastrous heart attack or stroke. What if because of the changes you made it prevented a family member or friend from having a serious illness. This scenario is quite possible. Because I have started to run on a regular basis both my kids and my wife have started walk/jogging. What a thrill for me. Who knows how that will benefit them in the years to come. So be a trend setter in your family. Your family will love you for it and you will feel great about yourself for doing it.

9. Health Coaching and Self Esteem

A lasting benefit of health coaching is how you feel about yourself when you succeed at making important changes in your health. This is because of the positive feelings and feedback you get from family and friends ( and when you look in the mirror ). You’ve lost weight and people notice and comment. You’re not as stressed out and it feels good. You have more energy and you are more active. You’re sleeping better and you look more rested. Your relationship with your spouse and kids has improved. People around you will often mirror your mood and energy. You’re more fun to be around, not as irritable, short tempered or demanding. Your doctor notices and commends you for your efforts. You just feel good about yourself and you’re not going back to the way it was. Never!!

10. Health Coaching – It Could Be For You

One of the things that happens for some who go through health coaching and derive significant benefits from it, is they get exposed to the process and see how much it benefits others and how it could be a powerful change agent for people ‘stuck in the muck’ and suffering the consequences. It can often influence them enough to consider being a health coach themselves. Health coaching is a rapidly growing profession and is open to most people as an income choice, part time or full time, who have a genuine interest and desire to help others. Not to mention that the average hourly for a session ranges from 100 to 200 dollars for a session. A rather ‘healthy’ income.

So in summary, these are just a few of the benefits for hiring ( or becoming ) a health coach. Decide that you deserve excellent vibrant health and if you can’t achieve it on your own or would like to speed up the process consider hiring a health coach. A healthier, happier life awaits you

Article Source: http://EzineArticles.com/4948148

Redefining Health in the 21st Century

What we can’t define, we can’t find; for our definition determines our destination. One of humanity’s greatest debacle is the allegiance to history as a standard for the present and the future. Humanity is so much indebted to old thoughts to the point where, thinking something new seems like a disloyalty to the legends of old. History should not be a status quo or an imperative standard for the present and the future, but an inspiration for the correction of the present and the redirection of the future for a better destiny for mankind. With respect to achieving health for all in the 21st century, humanity must outgrow old thoughts and ways, to the expounding of new methods, approaches, ideologies, and strategies in securing health for mankind. “The significant problems we are facing cannot be solved at the same level of thinking we where at when we created them.

In the past, health was defined as having both body and mind working in good order, free from diseases and pains. If this assertion has been unable to provide humanity with insight on securing health for humanity, then it is expedient for humanity to think out of the status quo. There is no way humanity can resolve the health challenges of the 21st century except in the courage of exploring the unknown. With respect to the 21st century health plan, health is defined as an integrated state of being, of the human body, soul, and spirit functioning in absolute soundness. Thus, health is not necessarily the absence of pains or physical symptoms of sicknesses and diseases. There are individuals with no symptoms of pains, sickness and diseases, yet they are close to their grave. There are equally people who died without having any physical symptoms of pains or disease. Though they seemed to be fine, yet they died suddenly because they were not healthy.

Health is much more than the absence of pains or disease, but an integrated state of being with the human body, soul, and spirit functioning in absolute soundness. Health is an integrated effect with a cause; which implies, health is not a coincidence or an accidental occurrence but the resultant effect of the relative functioning of the human body, soul and spirit in absolute soundness. Let me make this clear, health is not a challenge we can resolve by our shallow efforts. That is why despite all human efforts in achieving health, health has remained a severe challenge. To achieve health for all in the 21st century, humanity must stop joking. We must realize that, we are dealing with a challenge which if not resolved, billions of humans may be wiped out before the end of this century. For health to be achieved in the 21st century, humanity must adopt a more comprehensive and integrated approach taking into consideration the total human being; body, soul and spirit. I hope by now we are civilized enough to know that the human being is not an animal but a complex being with three related dimensions (body, soul and spirit).Any health plan which focuses only on one dimension of the human being will end in failure. A human being must improve in his body, soul and spirit to enjoy health.

Insight on the Human Being:

The human being is the most complex specie in all of existence. Until now, little has been discovered about the human being. What is in existence as information concerning the human being is but “skeleton”. The human being is a world yet unexploited. The ignorance about the totality and the truism of the human being is the greatest challenge to human evolution and progress. The full understanding of the truism of the human being will be the end of human misery and frustration. The human being is essentially a supernatural being, possessing a soul and living inside a body. This assertion is a universal truth agreed upon by all Universalists and equally confirmed in the universal lab manual or the divine constitution. The spirit of man is the ‘real estate’ of man, with the soul as the intermediary between the spirit of man and the body. The human spirit possesses the science of life, which defines humans as having the supremacy over all external factors.

When this consciousness is transferred to the human soul and body, human immunity and resistance against sicknesses and diseases is enhanced. The fact that the human body is the only visible dimension of the human being does not define the body as the sole constituent of man. Limiting the human being to just his physical body can be the most tragic error. Humans are not animals. The most tragic academic mistake is that of classifying humans and animals under the same group. This academic mistake is due to the limited perspective about the human being. This perspective considers the human body as the sole constituent of man. This academic mistake has produced a low mentality and consciousness among humans. Today, humans live and behave as animals because of this error. Humans even suffer the same fate as animals. The day has finally come to eradicate this human ignorance.

Health versus healing

One of the errors humanity has made for several centuries is that of substituting health for healing. This error has lasted for so long that humanity has unconsciously resorted to healing programs in the name of health programs.
Healing itself being the gradual recovery of a sick or diseased human is different from health, which is a state of absolute soundness (body, soul and spirit). Substituting health for healing makes humanity more reactive than pro-active. When we focus on health, we become more pro-active and preventive than reactive.

Focusing on healing entails allowing the human being to first of all be attacked by sickness and disease before looking for her recovery. While health involves pro-active investment to have a human being sound in body, soul and spirit as an integrated effort towards freedom from sicknesses and diseases. Healing is a recovering and a relief from pains but health is a state of being. One can be healed today and sick tomorrow but health implies, an individual is sound in body, soul and spirit. Friend, healing as to health is relatively cheap and sometimes easy to come by, but health is a breakthrough which demands a lot of focus and concentration on one’s body, soul and spirit conditions.

With respect to the 21st century health plan, sickness and disease is considered as an effected state of being, caused by a deficiency in one’s body, soul and spirit condition. This implies, an individual is unhealthy, sick and diseased as long as there exists a deficiency in his/her body, soul, and spirit condition. This explains why people sometime die without any sort of outward sickness or pains. The issue is that, we think a sick person must be under some kind of pains. There are people looking relatively OK, but terribly sick. This is because not all diseases are physical. Body sicknesses can be easily diagnosed, but sicknesses of the soul and of the spirit can not be diagnosed through any medical means. Thus, for a person to be termed healthy, such must maintain a relative state of soundness in body, soul and spirit. Equal and relative functioning of the human body, soul and spirit in perfect harmony and soundness is the everlasting access to health.

Most of what is described as health centres today are but healing centres yet to arrive the full status of a health centre. A healing centre is any centre, be it medical, psychiatric or religious centre where the sick and diseased are cater for or ministered to. While a health centre is a centre of integrated science, where profound and prolific insight on the human being (body, soul and spirit) are communicated and imparted; so as to empower humans both in their body, soul and spirit to forever triumph over sicknesses and diseases. Such a centre must be a research centre which progressively researches on both academic, scientific and insightful divine information and intelligence needed for human supremacy over sicknesses and diseases. Healing requires medication but health requires much more than medication. The greatest investment in health realization is information.

I am not talking here of ordinary knowledge; I am talking of advanced academic, scientific and divine knowledge containing the truth which unveils the truism of the human being (body, soul and spirit) with all their relative needs and demands. Thus, when you find a true health centre, you will see a place where the total science of the human being is unveiled, with teachers and doctors who are inter-comprehensive, possessing rare insight on the total science of human existence and functionality. Presently, such centres are non existent. This is the greatest challenge of the 21st century.

The entire world is doted with healing centres catering and administering to the sick and diseased without any investment in their education with respect to achieving health. This has led to the situation we have today of human beings constantly victimized and perpetually dependent on drugs and other healing mediums without ever graduating to health. You may ask what my proposition is: my proposition is for every healing centre to combine her efforts of relieving those who are sick and diseased with educating the people on health sciences. This is the only way we can triumph over sicknesses and diseases in the 21st century. Healing – Health = a victimized human, one perpetually dependent on drugs, instead of the truism of health.

It seems to me that, humanity is losing faith on pursuing total health. We have been cowed by numerous health challenges to the point where, we are instead studying how to function in abnormalities. The general slogan in most places today is how to live with AIDS, malaria, or any other disease. Such cowardly approach and attitude can not be rewarded with insight on human triumph over sicknesses and diseases. While seeking for better ways in relieving the sick and the diseased, we should not fail to embark on continuous research, so as to uncover the truth which will forever empower humans to triumph over sicknesses and diseases. This is the challenge of the 21st century.

It was believed that, no one could ever reach the summit of Mount Everest; thousands attempted and failed; and their failure reinforced the belief of the world. When the world slept in their pessimism, a man by name Edmond Hilary forced the world to change their belief; by getting to the top of Mount Everest. It was equally believed that a metal object could not fly. The Wright brothers equally forced the world to change their belief by their invention of the aero plane. The world presently believes that total health is impossible for the human being. I believe we are that generation to change that assertion. Let’s muster enough courage and faith. We can make it. Health is an integrated state of being, with the human body, soul and spirit functioning in absolute soundness.

Article Source: http://EzineArticles.com/3448181

Improve Your Well-Being – How Your Attitude to Health Can Help

postWhat is Health?

How do you define health? Is it a state of complete physical, mental and social well-being? Is it merely the absence of disease or infirmity? Or is health a resource for everyday life, rather than the objective of living; a positive concept, emphasising social and personal resources as well as physical capabilities?

Good health is harder to define than bad health (which can be equated with the presence of disease), because it must convey a concept more positive than mere absence of disease, and there is a variable area between health and disease. Health is clearly a complex, multidimensional concept. Health is, ultimately, poorly defined and difficult to measure, despite impressive efforts by epidemiologists, vital statisticians, social scientists and political economists. Each individual’s health is shaped by many factors, including medical care, social circumstances, and behavioural choices.

Health Care

While it is true to say that health care is the prevention, treatment and management of illness, and the preservation of mental and physical well-being, through the services offered by the medical, nursing and allied health professions, health-related behaviour is influenced by our own values, which are determined by upbringing, by example, by experience, by the company one keeps, by the persuasive power of advertising (often a force of behaviour that can harm health), and by effective health education. Healthy individuals are able to mobilise all their physical, mental, and spiritual resources to improve their chances of survival, to live happy and fulfilling lives, and to be of benefit to their dependants and society.

Achieving health, and remaining healthy, is an active process. Natural health is based on prevention, and on keeping our bodies and minds in good shape. Health lies in balancing these aspects within the body through a regimen consisting of diet, exercise, and regulation of the emotions. The last of these is too often ignored when health advice is dispensed, but can have a pronounced effect on physical well-being.

Diet

Every day, or so it seems, new research shows that some aspect of lifestyle – physical activity, diet, alcohol consumption, and so on – affects health and longevity. Physical fitness is good bodily health, and is the result of regular exercise, proper diet and nutrition, and proper rest for physical recovery. The field of nutrition also studies foods and dietary supplements that improve performance, promote health, and cure or prevent disease, such as fibrous foods to reduce the risk of colon cancer, or supplements with vitamin C to strengthen teeth and gums and to improve the immune system. When exercising, it becomes even more important to have a good diet to ensure that the body has the correct ratio of macronutrients whilst providing ample micronutrients; this is to aid the body in the recovery process following strenuous exercise.

If you’re trying to lose weight by “dieting”, don’t call it a diet, first of all – successful dieters don’t call what they do a “diet”. A healthy diet and regular physical activity are both important for maintaining a healthy weight. Even literate, well-educated people sometimes have misguided views about what makes or keeps them healthy, often believing that regular daily exercise, regular bowel movements, or a specific dietary regime will alone suffice to preserve their good health. Despite the ever-changing, ever-conflicting opinions of the medical experts as to what is good for us, one aspect of what we eat and drink has remained constantly agreed by all: a balanced diet.

A balanced diet comprises a mixture of the main varieties of nutriments (protein, carbohydrates, fats, minerals, and vitamins). Proper nutrition is just as, if not more, important to health as exercise. If you’re concerned about being overweight, you don’t need to add the extra stress of “dieting”. No “low-fat this” or “low-carb that”; just healthful eating of smaller portions, with weight loss being a satisfying side effect. Improve health by eating real food in moderation. (For many reasons, not everyone has easy access to or incentives to eat a balanced diet. Nevertheless, those who eat a well-balanced diet are healthier than those who do not.)

Exercise

Physical exercise is considered important for maintaining physical fitness and overall health (including healthy weight), building and maintaining healthy bones, muscles and joints, promoting physiological well-being, reducing surgical risks, and strengthening the immune system. Aerobic exercises, such as walking, running and swimming, focus on increasing cardiovascular endurance and muscle density. Anaerobic exercises, such as weight training or sprinting, increase muscle mass and strength. Proper rest and recovery are also as important to health as exercise, otherwise the body exists in a permanently injured state and will not improve or adapt adequately to the exercise. The above two factors can be compromised by psychological compulsions (eating disorders, such as exercise bulimia, anorexia, and other bulimias), misinformation, a lack of organisation, or a lack of motivation.

Ask your doctor or physical therapist what exercises are best for you. Your doctor and/or physical therapist can recommend specific types of exercise, depending on your particular situation. You can use exercises to keep strong and limber, improve cardiovascular fitness, extend your joints’ range of motion, and reduce your weight. You should never be too busy to exercise. There’s always a way to squeeze in a little exercise, no matter where you are. Eliminate one or maybe even two items from your busy schedule to free up time to fit in some exercise and some “YOU” time. Finding an exercise partner is a common workout strategy.

Emotions

You may have heard about the benefits of diet and exercise ad nauseam, but may be unaware of the effect that your emotions can have on your physical well-being and, indeed, your longevity. Like physical health, mental health is important at every stage of life. Mental health is how we think, feel, and act in order to face life’s situations. Prolonged psychological stress may have a negative impact on health, such as weakening the immune system.

Children are particularly vulnerable. Caring for and protecting a child’s mental health is a major part of helping that child to grow into a normal adult, accepted into society. Mental health problems are not just a passing phase. Children are at greater risk for developing mental health problems when certain factors occur in their lives or environments. Mental health problems include depression, bipolar disorder (manic-depressive illness), attention-deficit / hyperactivity disorder, anxiety disorders, eating disorders, schizophrenia and conduct disorder. Do your best to provide a safe and loving home and community for your child, as well as nutritious meals, regular health check-ups, immunisations and exercise. Many children experience mental health problems that are real and painful, and they can be severe. Mental health problems affect at least one in every five young people at any given time. Tragically, an estimated two-thirds of all young people with mental health problems are not getting the help they need. Mental health problems can lead to school failure, alcohol or other drug abuse, family discord, violence, or even suicide. A variety of signs may point to a possible mental health problem in a child or teenager. Talk to your doctor, a school counsellor, or other mental health professionals who are trained to assess whether your child has a mental health problem.

Control your emotions. If a driver overtakes you on the wrong side, or pulls out of a side road in front of you, don’t seethe with rage and honk your horn; You’re hurting no one but yourself by raising your blood pressure. Anger has been linked to heart disease, and research has suggested that hardening of the arteries occurs faster in people who score highly in hostility and anger tests. Stay calm in such situations, and feel proud of yourself for doing so. Take comfort in the knowledge that such aggressive drivers only increase their own blood pressure. Your passengers will be more impressed with your “cool” than with your irascibility.

If you are in a constant rush, feeling that every second of your life counts, just slow down a little. Yes, every second does count, but consider the concept of quality of life. Compare how you feel when you’re in a hurry with how you feel when you’re not. Which feels better? Rushing everywhere increases your stress level. The body tries to overcome stress by making certain physiological adjustments. Some time after you slow down, the physiological adjustments and the stress symptoms revert to normal. If you don’t ever slow down, the physiological adjustments and the stress symptoms persist. It is this persistence of the body’s response that matters. You may develop physical, physiological or psychological problems, and may not be able to lead a normal life. Many cases of stress are somehow connected with money, or rather the lack of it. Such people struggle to make ends meet or to acquire more material possessions. This brings us to our final discussion: attitude.

Attitude

It is always pleasant to enjoy the fruits of our labours, of course. Sometimes, however, it seems that whatever we do, it’s just not enough to be able to afford that new car or that foreign holiday. So, what do we usually do then? We work harder, longer; we increase the stress on our minds and bodies; we spend less time with our families and friends; we become more irascible and less likeable people. If you find yourself in this situation, just stop for a moment, and consider: Is it all worth it? What is the purpose of life? Surely it is to be happy. You’ll probably be happier if you adopt the philosophy that true quality of life is not to be found in material things. If you convince yourself that you want less, you’ll need less. If you need less, you’ll cope with life more easily, and the happier, and therefore healthier, you’ll be. Buddha called this “enlightenment”. Enjoy a “good-health attitude”. Focus on your abilities instead of disabilities. Be satisfied with what you have, rather than be dissatisfied about what you don’t have and probably never will have.

If you simply cannot cope with a healthy diet, exercise and emotional control, but genuinely prefer to eat junk food, be permanently drunk, be under constant stress, and be disliked by others, then enjoy your life while it lasts, but understand that the trade-off is that it will probably not last long. If you accept this willingly, you’ll be happy. There is some merit in the philosophy that it is better to live a short, happy life than a long, miserable one.

Conclusion

Personal or individual health is largely subjective. For most individuals and for many cultures, however, health is a philosophical and subjective concept, associated with contentment, and often taken for granted when all is going well. The evidence that behavioural factors such as diet, physical activity, smoking and stress influence health is overwhelming. Thus, health is maintained and improved not only through the advancement and application of health science, but also through the efforts and intelligent lifestyle choices of the individual and society. Perhaps the best thing you can do for your health is to keep a positive attitude. Optimal health can be defined as a balance of physical, emotional, social, spiritual and intellectual health. Maintain a positive attitude!

Article Source: http://EzineArticles.com/1654278

All vital information about Oxandrolone Genesis

Oxandrolone is also known as Anavar, a fitness product which is used to treat many health problems of the users. It is an anabolic product which can be used for the children growth. It helps in giving stunt growth and many more best results. It doesn’t convert to estrogen like many fitness product so it can encourage growth easily. In this article you would know about the Oxandroline Genesis and its benefits to the users.

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Oxandrolone is a very mild anabolic product with limited androgenic potential. It is more potent in androgen sensitive tissue and muscle tissue such as prostate and skin. Oxandrolone is similar to Winstrol and Primobolan fitness products.

This product is very helpful for both male and female users. It provides lots of enormous benefits for the female users and on depending on the time structure it can affect the entire results easily without any problem. It helps in building the lean muscle tissue and seems effective in improving the athlete strength. It is product which would provide the effective gain in weight without any water retention. There would be a 100 percent lean tissue.

Female users can easily get more lean tissue at the time of dieting by consuming Oxandrolone Genesis hormone in the phase of dating. It helps in getting high strength, improves the whole look greatly and helps a lot in burning of fat. It seems to be one of the best alternatives for those female users who really want to look fit and beautiful always.
Oxandrolone is well known for its high ability to the users in gaining strength and lean muscle mass. It is a mild product which is not good if your goal is significant bulking. Many male bodybuilders prefer limiting Oxandrolone to the cutting phase if water retention is desirable. The typical dosage for the male users is 15-25mg. This type of dosage would provide the best observable results. By adding other fitness products like Winstrol would result in a more hardened and defined appearance without increasing water retention. You really do not have to worry about that. It is very common to combine and would surely get the best possible results for sure. There is a reliable supplier of oral Anavar and you can contact them.

You can also go for stacking with other non aromatizing products like Trenbolone or Proviron. These stacking would help in reducing the weight so that you would get rid of the overweight problems. Users would get solid defined physique by following everything properly.

Make sure you are giving more focus on the dosage level. Any negligence can put you in deep trouble so it would be better to first take the low dosage level. If you are a firs time user, then you should never think of taking the higher level of dosage. Doing so would put you in a deep health problem for sure. So, make sure you are maintaining the dosage level always which would be really good for your health.

Which Health Insurance Plan Is Best for Me?

Health insurance has proven itself of great help and financial aid in certain cases when events turn out unexpectedly. In times when you are ill and when your health is in grave jeopardy and when finances seem to be incapable to sustain for your care, health insurance is here to the rescue. A good health insurance plan will definitely make things better for you.

Basically, there are two types of health insurance plans. Your first option is the indemnity plans, which includes the fee-for-services and the second is the managed care plans. The differences between these two include the choice offered by the providers, the amount of bills the policy holder has to pay and the services covered by the policy. As you can always hear there is no ultimate or best plan for anyone.

As you can see, there are some plans which may be way better than the others. Some may be good for you and your family’s health and medical care needs. However, amidst the sweet health insurance plan terms presented, there are always certain drawbacks that you may come to consider. The key is, you will have to wisely weigh the benefits. Especially that not among these plans will pay for all the financial damages associated with your care.

The following are a brief description about the health insurance plans that might be fitting for you and your family’s case.

Indemnity Plans

Flexible Spending Plans – These are the types of health insurance plans that are sponsored when you are working for a company, or any employer. These are the care plans inclusive in your employee benefit package. Some of the specific types of benefits included in this plan are the multiple options pre-tax conversion plan, medical plans plus flexible spending accounts, tax conversion plan, and employer credit cafeteria plans. You can always ask your employer of the benefits included in your health care/insurance plans.

Indemnity Health Plans – This type of health insurance plan allows you to choose your own health care providers. You are given the freedom to go to any doctor, medical institution, or other health care providers for a set monthly premium. The insurance plan will reimburse you and your health care provider according to the services rendered. Depending on the health insurance plan policy, there are those that offers limit on individual expenses, and when that expense is reached, the health insurance will cover for the remaining expenses in full. Sometimes, indemnity health insurance plans impose restrictions on services covered and may require prior authorization for hospital care and other expensive services.

Basic and Essential Health Plans – It provides a limited health insurance benefit at a considerably low insurance cost. In opting for this kind of health insurance plan, it is necessary that one should read the policy description giving special focus on covered services. There are plans which may not cover on some basic treatments, certain medical services such as chemotherapy, maternity care or certain prescriptions. Also, rates vary considerably since unlike other plans, premiums consider age, gender, health status, occupation, geographic location, and community rated.

Health Savings Accounts – You own and control the money in your HSA. This is the recent alternative to the old fashioned health insurance plans. These are savings product designed to offer policy holders different way to pay for their health care. This type of insurance plan allows the individual to pay for the current health expenses and also save for untoward future qualified medical and retiree health costs on a tax-free basis. With this health care plan, you decide on how your money is spent. You make all the decisions without relying on any third party or a health insurer. You decide on which investment will help your money grow. However, if you sign up for an HSA, High Deductible Health Plans are required in adjunct to this type of insurance plan.

High Deductible Health Plans – Also called Catastrophic Health Insurance Coverage. It is an inexpensive health insurance plan which is enabled only after a high deductible is met of at least $1,000 for an individual expense and $2,000 for family-related medical expense.

Managed Care Options

Preferred Provider Organizations – This is charged in a fee-for-service basis. The involved health care providers are paid by the insurer on a negotiated fee and schedule. The cost of services are likely lower if the policy holder chooses an out-of-network provider ad generally required to pay the difference between what the provider charges and what the health insurance plan has to pay.

Point of Service – POS health insurance plans are one of the indemnity type options in which the primary health care providers usually make referrals to other providers within the plan. In the event the doctors make referrals which are out of the plan, that plan pays all or most of the bill. However, if you refer yourself to an outside provider, the service charges may also be covered by the plan but the individual may be required to pay the coinsurance.

Health Maintenance Organizations – It offers access to a network of physicians, health care institutions, health care providers, and a variety of health care facilities. You have the freedom to choose for your personal primary care doctor from a list which may be provided by the HMO and this chosen doctor may coordinate with all the other aspects of your health care. You may speak with your chosen primary doctor for further referrals to a specialist. Generally, you are paying fewer out-of-pocket fees with this type of health insurance plan. However, there are certain instances that you may be often charged of the fees or co-payment for services such as doctor visits or prescriptions.

Government-Sponsored Health Insurance

Indian Health Services – This is part of the Department of Health and Human Services Program offering all American Indians the medical assistance at HIS facilities. Also, HIS helps in paying the cost of the health care services utilized at non-HIS facilities.

Medicaid – This is a federal or s state public assistance program created in the year 1965. These are available for the people who may have insufficient resources to pay for the health care services or for private insurance policies. Medicaid is available in all states. Eligibility levels and coverage benefits may vary though.

Medicare – This is a health care program for people aging 65 and older, with certain disabilities that pays part of the cost associated with hospitalization, surgery, home health care, doctor’s bills, and skilled nursing care.

Military Health Care – This type includes the TRICARE or the CHAMPUS (Civilian Health and Medical Program of the Uniformed Services) and CHAMPVA (Civilian Health and Medical Program of the Department of Veterans Affair). The Department of Veterans Affair (VA) may also provide this service.

State Children’s Health Insurance Program – This is available to children whose low-income parents were not able to qualify for the Medicaid.
State-Specific Plans – This type of plan is available for low income uninsured individuals.

There are many different types of insurance plans that you may have the prerogative to know about. By learning which health care insurance fits your situation, you can avail of the many options that will likely be of great assistance to you in times when you will need it most. Insurance costs have typically become one of the common draw backs in choosing for an insurance quote. However, weighing the benefits will really matter. Make sure that you always read the benefits, terms and conditions before landing to whichever type of health insurance you choose.

5 Expert Insider Steps to Begin Transforming Your Health & Body Today!

While yes, our team is born in a world of intense high athletic goals such as bodybuilding, it is not our goal to support people to become bodybuilders – FAR FROM IT!;-) So you can relax now!! But it IS our goal to share with you why the lessons from our experience of mastering human health & the body, & how developing a bodybuilder “mentality” for your own life can literally skyrocket you into a level of personal health you never thought possible, while showing you the shortcuts in how to get there! Sound good? Heck, it sounds GREAT to us, because we already know how it can CHANGE YOUR LIFE.

If you are serious about stepping into your greatness of feeling & looking great, take 3 minutes & glean our insight, because this is the single-most MISSING LINK that we see people repeatedly leaving out of their game plan to great health & why they continue to fail at achieving quality health for their lives.

When you have had an experience of taking your mental, emotional & physical self to the level that bodybuilding competition requires, as a coach for others it then allows you to see potential for your clients that they could never envision for themselves without you by their side AND TAKE THEM THERE, and that is the beauty of the gift that we REJOICE in offering others in order to achieve optimal health, energy, & joy for their lives. But to get there…to create a successful transformation of your health & body, you HAVE to begin INSIDE with our 5 MUST-HAVE Steps! Yes, that’s right – the focus begins in the MIND. Time & again we see this process work, and it’s our UNIQUE coaching psychology method that sets us apart, & why we are capable of producing jaw-dropping results with the level of motivational mentality we provide. You can have all the knowledge in the world, but if you fail to develop the DESIRE & MINDSET to IMPLEMENT it, you will never succeed.

Want the insider view to our winning approach to learn how to transform your own health & body? We’re here to offer you the scoop because it’s our desire to support you fully to achieve authentic, preventative health from the inside, out in your lifetime. So where do we begin? There is a prolific spiritual author named John Maxwell, maybe you’ve heard of him, maybe you haven’t – but he writes of numerous spiritual topics & speaks on how we create TRUE transformation for our lives. Below we adapt his words for our article today because it’s a brilliant synopsis of just why & how we work with clients to coach them through mastering their personal health, as there are so many levels to the process.

When we discuss transformation of the physical body, to be successful we cannot deny that mind, body & spirit are woven tightly together in our being & therefore EACH needs to be considered – not just one. Often people when wanting to conquer health or healing goals immediately BEGIN at the physical, they think weight loss, nutrition, exercise…but that is their first step to failure because they’re joining the race before they’ve even laced their shoes!! When we fail to address mind & spirit in the health process we eventually lose the vision of why we’re addressing the physical in the first place & sadly fall off course when interest wanes, times get tough, or we lose our way because the how-to’s become unclear or appear out of reach. But if we start INSIDE & work OUTWARDS friends, GAME ON!!

Our 5 Expert Insider Steps to Transforming Your Health & Body

So these 5 KEY STEPS must be addressed in order to achieve a complete & SUCCESSFUL health & body transformation, and they must also be achieved in order as follows…

1. When you change your (health & body) thinking, you change your (health & body) beliefs.

If you think what you’ve been taught is healthy by the mainstream media is where your learning stops, then don’t expect to achieve great illness-free, authentic preventative health because they don’t teach proactive health approach, they teach reactive wait til you get sick & then act health approach. Begin to change your thinking to change your belief system about your body and health potential.

2. When you change your (health & body) beliefs, you change your (health & body) expectations.

Once you begin to expand your thinking, start to also seek out experts in areas of health & body who have shown & continue to show PROVEN ABILITY TO CREATE TRANSFORMATION RESULTS in their own health & body that you would like to emulate. Begin to sponge knowledge from them vs. what mainstream media claims leads to great health results, & you’ll in turn raise the bar on what you expect from your own health. You’ll see your new mentor/s are just ordinary people too like you, who decided to blaze their own health path about the quality of health they wanted to achieve for their life by taking the road less followed for their own health in life, and YOU CAN TOO – if you follow in their footprints.

3. When you change your (health & body) expectations, you change your (health & body) attitude.

Once your mind becomes opened by experts to your new health possibilities, you’ll have a renewed attitude & confidence about your abilities & empowerment around your personal health & begin to realize that anything you put your MIND to, your BODY can achieve -with the right tools in your toolbox. And THAT is exciting!

4. When you change your (health & body) attitude, you change your (health & body) behavior.

Now that you come to the table with a revitalized health attitude of possibilities & an arsenal from your health mentor, your entire being & behavior begins to shift because your mentor connects you with your own personal ability to achieve great results for your health, and as that continues to happen over and over, your self-efficacy GROWS & GROWS around your capabilities to manage your own personal health, as you transition into your own personal mini-health-expert!

5. When you change your (health & body) behavior, YOU CHANGE YOUR LIFE.

Now that you’ve achieved health & body mastery, you will begin to see an entire energetic, mental & emotional shift in your life that FAR EXCEEDS the physical. Yes, you will look & feel great, but the ways optimal health radiate outwards to all facets of your life will be astounding, as you attain a personal joy in life through health that you’ve never experienced before. No pills, no roller coaster of energy, no food cravings, no more blah approach to life, no more hiding from life within your own body,…you emerge a renewed person, ready to take on your full potential in this life.

This list is the perfect example of why health coaching with experienced experts not only WORKS, but offers you AMAZING, permanent results you could never envision or achieve on your own. With the support of your coaches seasoned & proven mentality of success in health & body transformation, you develop a similar mindset, outlook & body of knowledge in order to reach external goals of physical health & body success!

Article Source: http://EzineArticles.com/3434253

The Increasing Surge of Health Care

postWhile sitting back in her blue jeans and wearing a heavy workout sweater at the Legacy Emanuel Hospital’s Emergency room, Angela Jones has her feet prompted up and crossed atop of a small table. When asked about health care issues and how they affect her, Angela explains that there is a portion of people who suffer from not having health care insurance. She makes it clear that some of those who suffer most are young people. Jones, who is a college student, declared her passion for the young because it falls under her own age group.

Says Jones, “The Oregon Health Plan should be open to more people who are under 21 years old. Private insurance shouldn’t be so expensive for young people.”

According to national surveys, the primary reason people are uninsured is the high cost of health insurance coverage. Notwithstanding, nearly one-quarter (23 percent) of the uninsured reported changing their way of life significantly in order to pay medical bills. Economists have discovered that increasing health care costs correlate to drops in health insurance coverage.

Jones believes that some of the greatest challenges that people face across this nation is obtaining affordable health care. “I would open an Oregon Health Plan to a variety of people who don’t have insurance. It is hard to get health insurance.”

Terri Heer, a registered nurse at a local hospital, claims that in order to improve America’s health care system a key ingredient is to “make sure that everyone (has) access.”

This would include cutting out on expenses that are not palpable to so called “health care needs”. Heer says, “First, we spend a lot of money servicing people for illnesses that can be prevented. Some of the money spent can go to other things.”

Over the long haul, should the nations health care system undergo significant changes, the typical patient may not necessarily see the improvements firsthand. “I would love to say there will be a lot of changes. I am not a pessimist, but I don’t think there will be any change,” says Heer. Heer does allude to the fact that if more money were spent for people in the health care arena, she says that there is a possibility that the necessary changes would be more evident.

Whether health care is affordable or not is an issue that affects everyone. According to a recent study last year, health care spending in the United States reached $2.3 trillion, and is projected to reach $3 trillion by 2011. By 2016, it is projected to reach $4.2 trillion. Although it is estimated that nearly 47 million Americans are uninsured, the U.S. spends more on health care than any other nation.

The rising tide of health care stems from several factors that has an affect on us all. First, there is an intensity of services in the U.S. health care system that has undergone a dramatic change when you consider that people are living longer coupled with greater chronic illnesses.

Secondly, prescription drugs and technology have gone through significant changes. The fact that major drugs and technological advancement has been a contributing factor for the increase in health care spending. Some analysts suggest that the improvement of state-of-art technologies and drugs increase health care spending. This increase not only attributes to the high-tech inventions, but also because consumer demand for these products has gone through the roof, so to speak.

Thirdly, there is an aging of the population. Since the baby boomers have reached their middle years, there is a tremendous need to take care of them. This trend will continue as baby boomers will qualify for more Medicare in 2011.

Lastly, there is the factor of administrative costs. Some would argue that the private sector plays a critical role in the rise of health care costs and the economic increase they produce in overhead costs. At the same time, 7 percent of health care expenses are a result of administrative costs. This would include aspects of billing and marketing.

Terra Lincoln is a woman who was found waiting in the Emergency room at the Providence Portland Medical Center. When asked about the rising costs of health care, she said, “If you don’t have medical coverage, it’ll cost you too much money. If I leave the hospital right now and I need to buy two (types) of medicines, I couldn’t afford it.” Lincoln says that she is a member of the OHP, but she believes that there are still issues that need to be addressed.

Terra recognizes that to reduce medical costs, she would have to start by getting regular checkups. “Sometimes people of color wait till they’re in pain before they get a checkup,” she said.

A national survey shows that the primary reason why people cannot afford health care is because of soaring costs of health care coverage. In a recent Wall-Street Journal-NBC survey it is reported that 50% of the American public claims that their highest and most significant economic concern is health care. Consequently, the rising cost of health care is the number one concern for Democratic voters.

Regarding the rising tide of health care, Kristin Venderbush, a native Wisconsin, and another patient in emergency at Providence says, “I worry a lot about what happens to the working poor. They don’t have OHP. If you can’t advocate for yourself, you will not get the health care you need…on every level.”

Harvard University researchers conducted a recent study that discovered that the out-of-pocket medical debt for an average consumer who filed bankruptcy was $12,000. This study noted that 68 percent of those who had filed for bankruptcy carried health insurance. Apparently, these bankruptcy’s were results from medical expenses. It was also noted in this study that every 30 seconds someone files for bankruptcy after they have had some type of serious health problem.

In spite of all the social and economic bureaucracy in the health care arena, some changes were made in Washington on January 28, 2008. In his State of the Union address, President Bush made inquired Congress to eliminate the unfair bias of the tax code against people who do not get their health care from their employer. Millions would then have more options that were not previously available and health care would be more accessible for people who could not afford it.

Consequently, the President believes that the Federal government can make health care more affordable and available for those who need it most. Some sources suggest that the President not only wants health care to be available for people, but also for patients and their private physicians so that they will be free to make choices as well. One of the main purposes for the health care agenda is to insure that consumers will not only have the freedom to make choices, but to also enable those to make decisions that will best meet their health care needs.

Kerry Weems, Acting Administrator of the Centers for Medicare and Medicaid Services, oversees the State Children’s Health Insurance Program, also known as SCHIP. This is a critical program because it pays for the health care of more than six and a half million children who come from homes that cannot afford adequate health insurance. These homes exceed the pay scale for Medicaid programs, therefore are not able to participate.

During SCHIP’s ten year span, states have used the program to assist families with low-income and uninsured children for their sense of well-being in the health care arena. The Bush Administration believes that states should do more of an effort to provide for the neediest children and enable them to get insurance immediately. The SCHIP was originally intended to cover children who had family incomes ranging from $20,650. This amount would typically include a family of four. According to sources, all states throughout the U.S. have SCHIP programs in place and just over six million children are served.

Children and Health Care

Washington’s Perspective

What is driving health care costs?

The fact that the U.S. faces ever increasing health care woes, has left many to believe that the country’s current crisis is on a lock-step path toward insolvability.

Hiring a Home Health Care Employee

postProviding the primary care for an elder loved one can be difficult. When you cannot deliver all the elder care yourself and support from friends, family, and community organizations is not enough, it may be useful to hire a home health care worker. He or she can offer care from a few hours a week to 24 hours a day, and can provide many other helpful services. Types of in-home health care services include:

  • General Health Management like administration of medication or other medical treatments
  • Personal care such as bathing, oral hygiene, dressing, and shaving
  • Nutrition help like preparing meals, assisting eating, and grocery shopping
  • Homemaking services including laundry, dishwashing, and light housework
  • Companionship for example reading to the senior or taking them on walks

Recruiting and Interviewing Applicants

There are many avenues for hiring a home health care employee. Generally, home health care workers can be hired directly or through an agency. Home health care agencies often have a staff that includes social workers and nurses that will manage your care. However hiring an independent home health care worker is generally more cost effective, it will also give you more control over the type of care you receive.

Senior home care workers should be carefully screened for proper training, qualifications, and temperament. Fully discuss the needs of the elder care recipient during an interview with a prospective home health care employee.  There should be a written copy the job description and the type of experience you are looking for.

References

Have applicants fill out an employment form that includes the following information:

  • Full name
  • Address
  • Phone number
  • Date of birth
  • Social Security number
  • Educational background
  • Work history

Before hiring, you should ask to see the senior home care worker’s licenses and certificates, if applicable, and personal identification including their social security card, driver’s license, or photo ID.

References should be checked out thoroughly.  Prospective employees should provide the employer with names, dates of employment, and phone numbers of previous employers and how to contact them.  It is best to talk directly to previous employers, rather than just to accept letters of recommendations. Also ask the applicant to provide or sign off on conducting a criminal background check

Special Points to Consider

Make sure the person you are considering hiring knows how to carry out the tasks the elder care recipient requires, such as transferring the senior to and from a wheelchair or bed.  Training may be available, but make sure the worker completes the training successfully before hiring him or her.

No one should be hired on a seven-day-a-week basis.  Even the most dedicated employee will soon burn out.  All employees need some time to take care of their personal needs.  No worker should be on call 24-hours a day.  If the elder care recipient needs frequent supervision or care during the night, a family member or second home health care worker should be able to help out or fill in.

Live-in assistance may seem to be more convenient and economic than hourly or per-day employees but there can be drawbacks.  Food and lodging costs must be calculated into the total cost of care, and it could be difficult to dismiss someone without immediate housing alternatives.  If you decide to utilize a live-in arrangement, the employee should have his own living quarters, free time, and ample sleep.

Job Expectations and Considerations

Before hiring a senior home health care worker, you should go over the tasks you expect them to perform and other issues, such as promptness, benefits, pay scale, holidays, vacations, absences, and notification time needed for either employer or employee before employment is terminated. If you work and are heavily dependent on the home health care worker, emphasize the importance of being informed as soon as possible if he or she is going to be late or absent so that you can make alternative arrangements. Be clear about notification needed for time off, or what to do in the case the home health care worker experiences a personal emergency that requires them to abruptly leave work.  It is important to have a backup list of friends, family, other home care workers, or a home health care agency you can call on.

Be clear about issues concerning salary, payment schedule, and reimbursement or petty cash funds for out of pocket expenses.

You should spend the day with the home health care worker on his first day to make sure you are both in agreement over how to carry out daily tasks.  It would also be helpful to supply the home health care worker with a list of information on the elder care recipient such as: special diets, likes, dislikes, mobility problems, health issues, danger signs to monitor, possible behavior problems and accompanying coping strategies, medication schedule, therapeutic exercises, eye glasses, dentures, and any prosthetics.

You should also provide the following information to your home health care worker: your contact information, emergency contacts, security precautions and access to keys, clothing, and locations of washing/cleaning supplies, medical supplies, light bulbs, flashlights, fuse box, and other important household items.

Transportation

Another big consideration in hiring a senior home care worker is how he or she is going to get to work.  If they do not have a reliable car or access to public transit, then you might want to consider hiring someone to drive him or her, which might be more economical than using taxis.  Inform your insurance company if the home health care worker is going to drive your car when caring for the senior.  Your insurance company will perform the necessary driving background checks.  If the home health care worker is using his or her car to drive the elder care recipient, then discuss use of her or his car, and conduct a driving background check.

Insurance and Payroll

Check with an insurance company about the proper coverage for a worker in your home.

Make sure all the proper taxes are being drawn from the employee’s check by contacting the Internal Revenue Service, state treasury department, social security, and the labor department.  If you do not want to deal with the complexities of the payroll withholdings yourself, than you can hire a payroll company for a fee.

Even if your home health care worker is working as a contractor, you are still obligated to report the earnings to the IRS.  Talk to your accountant or financial adviser about making sure you are following IRS rules.

Ensuring Security

You should protect your private papers and valuables in a locked file cabinet, safe deposit box, or safe. If you are unable to pick up your mail on a daily basis, have someone you trust do it, or have it sent to a post box. You should check the phone bill for unusual items or unauthorized calls. You should put a block on your phone for 900 numbers, collect calls, and long-distance calls.

Keep checkbooks and credit cards locked up. Review credit card and bank statements on a monthly basis, and periodically request credit reports from credit reporting agencies.  Lock up valuable possessions or keep an inventory of items accessible to people working in the house.

You can help to prevent elder abuse to your loved one by:

  • Make sure the home health care worker thoroughly understands his or her responsibilities, the elder care recipient’s medical problems and limitations, and how to cope with stressful situations.
  • Do not overburden the home health care worker.
  • Encourage openness over potential problems.

The following are possible signs of elder abuse or neglect:

  • Personality changes
  • Crying, whimpering, or refusing to talk
  • Sloppy appearance
  • Poor personal hygiene
  • Disorganized or dirty living conditions
  • Signs of inappropriate sedation, such as confusion, or excessive sleeping
  • Mysterious bruises, pressure sores, fractures, or burns
  • Weight loss

If you suspect abuse, act immediately.  Do not wait until the situation turns tragic.  Investigate the situation by talking to the elder care recipient in a safe situation, or install monitoring equipment. Examples of abusive behavior include yelling, threatening, or over controlling behavior that could involve isolating the senior from others. If the situation is serious, you should replace the home health care worker as quickly as possible. If you fear the elder care recipient is in danger, he or she should be separated from the home health care worker as soon as possible.  Place the elder care recipient with a trusted relative or in a respite care facility. Make sure your loved one is safe before confronting the home health care worker, especially if there is concern about retaliation.

Report the situation to Adult Protective Services after ensuring the safety of the elder care recipient.  The police should be contacted in the case of serious neglect, such as sexual abuse, physical injury, or misuse of funds.

Supervising a Home Health Care Worker

The most important thing to remember after hiring a home health care worker is to keep the lines of communication open.  You should explain the job responsibilities clearly, and your responsibilities to the home health care worker. Do not forget that the home health care worker is there for the elder care recipient and not the rest of the family.  For live-in arrangements, the maximum amount of privacy should be set up for the home health care worker’s living quarters. Meetings should be set up on a regular basis to assure that problems are nipped in the bud.  If conflicts cannot be resolved after repeated attempts, than it is best to terminate the employee.  In such a case, you may have to either place the elder care recipient in a nursing home temporarily or hire a home health care worker through an agency.  Reserve funds should be kept on hand in the case of such an emergency.

General Eligibility Requirements for Home Care Benefits

Hiring a home health care worker directly is usually less expensive than hiring through a home health care agency; but if the elder care recipient is eligible and you wish to use assistance from Medicare, you must hire someone through a certified home health care agency.  For the senior patient to be eligible, three or more services must be ordered by a physician. Other factors or eligibility are the required need for skilled nursing assistance, or one of the following therapies: physical, speech or occupational. The elder care recipient’s medical needs will determine asset and income requirements.

Hiring Home Health Care Workers through Home Health Care Agencies versus Independently

Different health professionals can assess the elder care recipient’s needs.  A nurse or social worker can help with design and coordination of a home care plan.  Your care manager, doctor, or discharge planner can help with services being covered by Medicare.  They generally help make the arrangements with a home care agency.

You should ask the home health care agency how they supervise their employees, and what kind of training their employees receive. Find out the procedures for when an employee does not show up.  Also ask about the fee schedule and what it covers, there may be a sliding fee schedule. Furthermore, find out if they have a policy for minimum or maximum hours. Ask the agency if there are any limitations on the types of tasks performed.

Especially if you have to pay for the care services yourself, find out if there are any hidden costs such as transportation.  If all the costs for hiring a care worker through an agency become too much, you may want to consider hiring directly.

Hiring independent home health care workers is not only more economical than using an agency, but it also allows more direct control over the elder care.

Article Source: http://EzineArticles.com/3018941

How To Save on Health Insurance

postWith health care costs soaring through the roof, the cost of health insurance premiums are increasing as well. Health insurance is a necessity, however, when you consider the costs of one visit to the emergency room, surgery to set a broken bone, scans, lab and other costs. When your budget is limited, how can you keep the costs of your health insurance premiums down? There are several steps you can take to reduce your health insurance costs and still maintain adequate medical coverage when you need it.

First step is to consider what health insurance options you have. Does your employer offer a group medical benefit? Many employers (and/or labor unions) offer health benefits to full-time employees. Group health insurance is usually the cheapest way to get medical coverage; an employer can negotiate with health insurance companies to get a group health plan at cheaper rates. In addition, many employers will pay part of the premium, reducing your health insurance cost even further. Another consideration is whether your spouse has health coverage available through their employer? If so, compare your health benefits plan to that of your spouse, and decide which health plan is the better buy. It may be possible to have one spouse carry family health insurance coverage and the other drop their health benefits. Many employers have multiple health insurance options, so review these plans as well. Choose the health plan that best meets your needs at the cheapest rate.

If no health insurance coverage is available through your employer, there are other ways to obtain health insurance coverage. Individual and family private health insurance policies are available. Shop and compare benefits and premiums from each health insurance plan. If you and your family are generally healthy, the new Health Savings Account (HSA) may be worth consideration. The HSA is an account that allows you to save tax-free dollars for your medical/health expenses. Similar to an Individual Retirement Account (IRA), you are limited in the amount that you are allowed to contribute each year; however, with the HSA, withdrawals for health expenses are not penalized, and no tax is paid on the withdrawal. When paired with a health insurance policy that has high deductibles and low rates, the HSA may be ideal for you. Save money in the HSA for deductibles and co-pays, and you’re set.

For those over 65 or permanently disabled, Medicare is available through the federal government. The original Medicare is an 80/20 plan (they pay 80% of eligible expenses and the insured pays 20%) with an annual deductible and a monthly premium. Supplemental health plans are available to cover this deductible and co-pay. These supplemental health plans are usually private and the insured pays a premium. In addition to the original Medicare plan, there are Medicare HMOs. In these Medicare HMO health plans, the Medicare premium is paid to an HMO to provide benefits to the insured. HMO plans are more restrictive in that patients must get care through a network provider, but often these plans cover more prescription drugs and preventive care than original Medicare does.

Recently some employers have offered lower premiums to employees who do not smoke cigarettes. This is currently a controversial topic for some, but it certainly may begin a trend. In the future, employers and their health insurance providers could offer reduced premiums for employees who maintain normal weight, exercise regularly, and receive certain wellness benefits. Maintaining a healthy lifestyle lowers the risk to the health insurance company that they will be paying big bucks in health care down the road. And health insurance, as any other insurance, is all about risk.

Article Source: http://EzineArticles.com/157302